Superannuation Projection Tool
Forecast retirement balances, compare nominal and inflation-adjusted growth, and estimate what that balance could mean as an annual retirement drawdown.
Super Projection Inputs
Tax rates and thresholds vary by year
Projection Settings
Toggle between nominal returns and inflation-adjusted real returns.
Projection mode
Super Projection Inputs
Tax rates and thresholds vary by year
Projection Settings
Toggle between nominal returns and inflation-adjusted real returns.
Projection mode
Projected balance at age 67
$2,227,761
Estimated drawdown to age 90: $96,859 / year
Inflation-adjusted equivalent: $1,203,429
Concessional cap check
Annual concessional contributions sit within the $30,000 cap for 2025-26.
Balance Growth
Year-by-year projection in nominal dollars.
Using super projections responsibly
Contribution rate matters more than most people think
Small changes to your contribution rate compound over decades. Even modest salary-sacrifice percentages can materially change the balance shown at retirement.
Real returns are often the more useful planning lens
Nominal balances look larger, but real balances are better for answering the question that actually matters: what will the money buy in retirement?
This is a simplified projection, not advice
The model assumes constant salary, contributions and return rates. Market volatility, tax settings, insurance premiums and legislative changes can all materially change the real outcome.
Frequently Asked Questions
What does the projection assume each year?
The tool adds annual employer and voluntary contributions to the opening balance, then applies the selected return rate to that combined amount. Salary is held constant in this simplified projection so you can isolate the effect of contribution rates and investment returns.
What is the difference between nominal and real returns?
Nominal returns use the raw expected investment return. Real returns adjust that rate for inflation so the projected balance is shown in today's purchasing-power terms instead of future dollars.
How is the drawdown estimate calculated?
The annual drawdown estimate divides the projected retirement balance by the number of years between your retirement age and age 90. It is a simple planning benchmark, not a pension strategy recommendation.
Does the calculator check the concessional cap?
Yes. Employer contributions plus voluntary concessional contributions are compared with the selected year's concessional cap so you can spot when salary-sacrifice settings would likely exceed it.
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